Working to create a brighter financial future for hard-working and underrepresented consumers.

We’re leading an effort that will ensure a more accurate and equitable consumer credit system, which will provide all Americans increased access to financial markets.

about us

The American Association of Consumer Credit Professionals (AACCP) serves as a unifying voice for the consumer credit reporting advocacy industry in Washington, D.C. and legislatures across the United States. AACCP members serve as a trusted resource that consumers utilize to understand and navigate the complex credit reporting ecosystem, in which an estimated 1 in 5 credit reports contains an error, whether at the hands of abusive debt collectors, careless record keepers or opportunistic identity thieves. 

consumer protection

– One in five consumers had an error that was corrected by a Credit Reporting Agency after it was disputed.

– Slightly more than one in 10 consumers saw a change in their credit score after errors were modified.

– In an FTC-conducted study, 35% of participants planned to abandon their disputes with the credit agency after inaction.

consumer access

– 43.4 million Americans have a credit score of 599 or less.

– 44% of Americans have a FICO score below 700 .

– On a $200,000 mortgage, someone with a credit score of 620-639 will pay 1.59% more interest than someone with a score of 760-850, equaling out to an extra $68,126.00 over 30 years.

consumer advocacy

– Ensuring a federal regulatory approach that facilitates innovation in the credit repair marketplace as well as protecting consumers and the integrity of the credit reporting system.

– AACCP Members are leaders in the industry and implement Best Practices to adhere to more stringent regulatory standards.